Page 4 - Investment

Taxation: Kuldip Kumar

No time limit for poor-service complaint

The district and state forums rejected the claims earlier because there was a delay of 15 years in filing the complaint

Policies covering AYUSH have stringent conditions

Ensure that the treatment is done at a government-recognised or accredited hospital

Market speak: Janakiraman R

Look for consistency in mid-cap funds

Even this time it 'isn't' different

High valuations are riding on liquidity. A bear market can be triggered if the US Fed raises rates

Making a living out of stock trading not easy

Learning curve is long and over-exuberance can lead to significant losses

Safety nets to protect your wealth

Use PPF, Married Women Property Act and trusts to ring-fence assets

Lending on P2P platforms is risky

Possibility of 16-22% annual returns is attractive but analysts suggest caution till norms are put in place

Limited role for wife in HUF

She cannot be the karta but has the right to her husband's share in an estate after his death

Smart moves in a falling interest rate regime

Shift to cheaper loans and look at dynamic funds

Mutual Funds: Hemant Rustagi

A premium housing destination

Hotspot: Sahakar Nagar-Pune

Education loans need to be regulated

Public sector banks are major players in this market. There are also specialised companies like Credila and Avanse

Is your investment cost-efficient?

It is important to know the cost of acquiring and maintaining any asset class, as it can have an adverse impact on returns

Digital signature can make life easier

But there are a lot of Know Your Customer requirements and the validity is limited

Get education loan up to Rs 1.5 crore

Don't be lax about repayment, as it can hamper your credit score even before you start earning

Oil over-supply might continue

But, threats of supply disruption do remain and that could hurt India, given its import dependence

One platform, multiple benefits

Financial institutions can attract customers at a low cost by using the IndiaStack platform. Being entirely paperless, an individual can also quickly open a new account

Ensure safety of policies with e-account

While your insurer will help you open an e-insurance account at the time of buying a policy, existing policyholders must do so themselves

Realty check

Budget: Rs 1 crore-1.5 crore